CHMG vs. CZFS, CBAN, PKBK, OVLY, NWFL, FVCB, COFS, SBNY, FFNW, and PCB
Should you be buying Chemung Financial stock or one of its competitors? The main competitors of Chemung Financial include Citizens Financial Services (CZFS), Colony Bankcorp (CBAN), Parke Bancorp (PKBK), Oak Valley Bancorp (OVLY), Norwood Financial (NWFL), FVCBankcorp (FVCB), ChoiceOne Financial Services (COFS), Signature Bank (SBNY), First Financial Northwest (FFNW), and PCB Bancorp (PCB). These companies are all part of the "state commercial banks" industry.
Citizens Financial Services (NASDAQ:CZFS) and Chemung Financial (NASDAQ:CHMG) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, profitability, analyst recommendations, earnings, dividends, community ranking, risk and media sentiment.
Chemung Financial has a net margin of 17.35% compared to Chemung Financial's net margin of 11.63%. Citizens Financial Services' return on equity of 12.39% beat Chemung Financial's return on equity.
In the previous week, Chemung Financial had 2 more articles in the media than Citizens Financial Services. MarketBeat recorded 4 mentions for Chemung Financial and 2 mentions for Citizens Financial Services. Chemung Financial's average media sentiment score of 1.11 beat Citizens Financial Services' score of 0.78 indicating that Citizens Financial Services is being referred to more favorably in the media.
Chemung Financial has lower revenue, but higher earnings than Citizens Financial Services. Chemung Financial is trading at a lower price-to-earnings ratio than Citizens Financial Services, indicating that it is currently the more affordable of the two stocks.
22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 47.5% of Chemung Financial shares are owned by institutional investors. 6.3% of Citizens Financial Services shares are owned by company insiders. Comparatively, 12.0% of Chemung Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Citizens Financial Services currently has a consensus target price of $53.00, suggesting a potential upside of 24.38%. Chemung Financial has a consensus target price of $49.00, suggesting a potential upside of 12.64%. Given Chemung Financial's stronger consensus rating and higher probable upside, equities research analysts clearly believe Citizens Financial Services is more favorable than Chemung Financial.
Citizens Financial Services has a beta of 0.4, meaning that its stock price is 60% less volatile than the S&P 500. Comparatively, Chemung Financial has a beta of 0.2, meaning that its stock price is 80% less volatile than the S&P 500.
Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 4.6%. Chemung Financial pays an annual dividend of $1.24 per share and has a dividend yield of 2.9%. Citizens Financial Services pays out 53.1% of its earnings in the form of a dividend. Chemung Financial pays out 23.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Citizens Financial Services has increased its dividend for 3 consecutive years. Citizens Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Chemung Financial received 120 more outperform votes than Citizens Financial Services when rated by MarketBeat users. However, 69.23% of users gave Citizens Financial Services an outperform vote while only 51.11% of users gave Chemung Financial an outperform vote.
Summary
Citizens Financial Services beats Chemung Financial on 11 of the 21 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CHMG and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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